Eligible spend
5 points per ₹150 on eligible spend
HDFC VISA
Infinia
SUPER PREMIUM
Should you get this?
Conditional fit
Why this card
- Unlimited lounge access is a clear travel strength.
- Forex markup is low at 2%.
- Up to 25 pts / ₹150 on Amazon through HDFC SmartBuy
Trade-off
The annual fee (₹12,500) is waived only when eligible annual spend exceeds ₹10,00,000.
Annual fee ₹12,500 per year
Rewards 5 pts / ₹150
Lounge access ∞ unlimited domestic + international
Forex markup 2% low
Compare with Axis Bank Burgundy Private →
Similar tier comparison
Rewards
Earning rules
Detail · from the summary aboveScopeRateEligibilityLimit
General spend5 pts / ₹150Credited as reward pointsDoes not earn on —
- fuel
Amazon (domestic)25 pts / ₹150Credited as reward points · through 15,000 points per month; at 25 pts / ₹150, this lane reaches the cap at ₹90,000 of eligible spend
Redemption value
What a Reward Point is worth
- Travel₹1 / pt
- Catalogue₹0.5 / pt
- Cash redemption value₹0.30 per Reward Point
How to avoid the annual fee
Spend threshold for waiver Above ₹10L annual eligible spend required for the waiver
Above ₹10L eligible annual spend waives the fee
Reward reality — the earning-rate detail behind the numbers above
Reward reality
Conclusion · what you actually getVerified value
₹1 per point
Travel
Ranking floor
₹0.3 per point
(conservative floor)
₹1 per point (best documented)
Best verified lane
Amazon (domestic)
25 pts / ₹150
View bonus categories →Caps
- Amazon (domestic)15,000 points per month
Why?
at 25 pts / ₹150, this lane reaches the cap at ₹90,000 of eligible spend
No reward on
- Fuel
Realisation
Credited as reward points
Reported reward terms
Evidence · not used in rates or comparisonsReported category terms
- Utilities
- 5 points per ₹150Domestic & international
Reported by secondary sources · verify with issuer1 other source
Evidence only · excluded from decisions
Costs & fees
Spending requirements
Spend gates · caps · milestone thresholdsRequirementAmountPeriodUnlocks
Annual fee waiver₹10,00,000yearAnnual fee waiver
Watch outs
Before choosing this card- Annual fee is ₹12,500, so value depends on actual usage.
- Fee waiver requires spend above ₹10,00,000 annually.
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: Based on the standard earn rate (5 pts / ₹150). Up to ~1,670 pts/month if the entire spend qualifies. Excluded transactions and category rules earn less. Partner bonuses aren't included.
- Worth ~₹500 at the conservative redemption floor
- Fee waiver unlikely at this spend
- Forex cost ~₹1,000 per ₹50k international spend
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsBenefits
Lounge Access
- Domestic (cardholder)
- Unlimited · verified 6 Jul 2026 Unlimited domestic lounge access
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- Stable Money
- 1 Finance
- Issuer site (verified manually) , opens external site
- Operator-verified anchor
- International (cardholder)
- Unlimited Requires Priority Pass card
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- Stable Money
- 1 Finance
- Issuer site (verified manually) , opens external site
- Operator-verified anchor
- Guest access
- Guests: paid access
Lounge network
Rewards
- Base earn
- 5 points per ₹150 value depends on redemption
- Effective return (honest floor)
- ~1% base at the cash-redemption floor; up to ~3.333% through documented travel redemption · verified 5 Jul 2026 Conservative redemption floor; best documented path is not ranked on.
- Headline point value
- ₹1.00 per Reward Point (Travel) · verified 5 Jul 2026 Operator-verified headline rate — full channel grid in Redemption value.
- Point validity
- Points expire 3 years after earning · verified 7 Jul 2026
Insurance Cover
- Air accident cover
- ₹3 crore · verified 5 Jul 2026
- Emergency medical cover
- ₹50 lakh · verified 5 Jul 2026
- Lost card liability cover
- ₹9 lakh · verified 5 Jul 2026
- Underwriter
- Insured by HDFC ERGO General Insurance Company Limited · verified 7 Jul 2026
Fees & charges
Fees
- Annual fee
- ₹12,500
- Joining fee
- ₹12,500 · verified 11 Jul 2026
- Fee waiver spend
- Above ₹10,00,000 · verified 3 Sept 2026 Annual fee waived on eligible anniversary-year spend above ₹10,00,000.
- Interest-free period
- Up to 50 days · verified 7 Jul 2026
- Late-payment charge
- ₹100–₹1,300 depending on outstanding balance Exact charge depends on your outstanding balance per issuer tiers.
International Use
- Forex markup
- 2%
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- Stable Money
- 1 Finance
- Operator-verified anchor
- Product tier
- Super-premium
Travel & perks
Fuel Benefits
At the pump- 1% fuel surcharge waived on transactions of ₹400+.
- Maximum waiver ₹1,000 per month.
- Fuel transactions do not earn reward points.
Fine print & compare
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · earning · redemption · last refreshCaps & limits
- Amazon cap: 15,000 points per month; at 25 pts / ₹150, this lane reaches the cap at ₹90,000 of eligible spend.
Exclusions
These spends do not earn reward points.
Financial
- Fuel
Latest update
- Annual fee: ₹12,500.
- Forex markup currently listed at 2%.
- Unlimited domestic lounge · Unlimited international.
Common questions
From verified card factsIs this good for lounge access?
Unlimited domestic lounge + Unlimited international. Check current spend criteria, guest rules, visit caps, and airport acceptance before relying on it.
Is this good for international spends?
Forex markup is 2%, which can be useful for international spends if the annual fee and usage pattern still make sense.
Is the annual fee easy to recover?
Fee waiver applies above ₹10,00,000 annual spend. Verify eligible spend exclusions before counting on it.
When do welcome benefits arrive?
A welcome benefit is listed. Included items: Reward points equivalent to joining fee (12,500 pts) — welcome, Reward points equivalent to renewal fee (12,500 pts) — renewal; joining fee required. Timing may depend on joining fee payment, card activation, first eligible transaction, or issuer processing.
Learn more
Guides matched to this card — not a random syllabus.
- Priority Pass
Membership, visits and issuer rules - Forex markup bands
0% vs 3.5% — which cards publish what - HDFC SmartBuy
Accelerators, caps, and traps